The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,913
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,621
−HK$1,735/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,907
+HK$3,551/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,090
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,662/mo
Today · 4.125%
HK$64,390
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,394/mo
Deposit HK$12.04M · loan HK$12.04M · min. income ≈ HK$128,780/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,895
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$67,945
−HK$2,082/mo
Today · 4.125%
HK$70,027
baseline
▲ 0.50% · 4.625%
HK$74,288
+HK$4,261/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$140,054/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,308
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$75,274
−HK$1,994/mo
Today · 4.125%
HK$77,268
baseline
▲ 0.50% · 4.625%
HK$81,341
+HK$4,073/mo
Deposit HK$9.63M · loan HK$14.45M · min. income ≈ HK$154,536/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,878
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,269
−HK$2,430/mo
Today · 4.125%
HK$81,699
baseline
▲ 0.50% · 4.625%
HK$86,670
+HK$4,971/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$163,398/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,526
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,819
−HK$2,327/mo
Today · 4.125%
HK$90,146
baseline
▲ 0.50% · 4.625%
HK$94,898
+HK$4,752/mo
Deposit HK$7.22M · loan HK$16.86M · min. income ≈ HK$180,292/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,843
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$101,917
−HK$3,124/mo
Today · 4.125%
HK$105,041
baseline
▲ 0.50% · 4.625%
HK$111,433
+HK$6,392/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$210,082/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,962
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$112,911
−HK$2,991/mo
Today · 4.125%
HK$115,902
baseline
▲ 0.50% · 4.625%
HK$122,012
+HK$6,110/mo
Deposit HK$2.41M · loan HK$21.67M · min. income ≈ HK$231,804/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,023,476 · Scale 2, in force from 26 Feb 2026)